Date Received: 2017-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial Inc . XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. XXXX XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XXXX / XXXX XXXX XXXX Illinois XXXX XXXX was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Hard Inquiries XX/XX/XXXX - XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60053
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had an auto loan with Ally Financial, but recently traded in the vehicle for a new one, and my dealership paid off loan in full to Ally on XX/XX/XXXX. Yet Ally has not posted the payment to my account, is still charging me interest, is still sending me billing statements, and refuses to even acknowledge that they have received the check. I have proof they received the check. Their employee XXXX signed for it on X/XX/17.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ally Bank Has Criminally Financially EXPLOITED me Via a non consensual Fraudulent Automobile Loan Wherefore they forced ( 2 ) Two Test drive vehicles they forged in the Financial Invoice as a LEGAL Transaction. I have one test drive vehicle to DATE since the Fraudulent Sleazy Con Artist Job in Conjunction with Ideal XXXX XXXX XXXX On XXXX XXXX XXXX MD. I traded in my beautiful mint condition XXXX XXXX XXXX XXXX, requested a XXXX XXXX XXXX XXXX trade in. XXXX Was obliterated from my Customer Request & launched out with a XXXX XXXX XXXX I NEVER bought or agreed to concur to the purchase of. I clearly stated with the flyer ad from the ideal XXXX XXXX XXXX that the {$7000.00} Off any vehicle there I wanted ONLY the XXXX XXXX XXXX XXXX With my {$7000.00} discount flyer. The dealership & Ally Bank Have, to DATE, financially EXPLOITED me with a cheap XXXX XXXX XXXX, worth {$7000.00} & I Was Wrongfully Financially Exploited For ( 2 ) Two Test drive vehicles. The XXXX XXXX XXXX XXXX the Dealer Told Me to test drive while they tried to call find a XXXX XXXX XXXX XXXX For me XXXX 2013. I Was financed Fraudulently by Ally Bank for a XXXX XXXX XXXX " Recall '' & the XXXX XXXX XXXX I NEVER requested to purchase. Ally Bank owes me for financing 2 test drive vehicle models I Was ONLY Test driving as they Demanded I Try the XXXX XXXX XXXX while they looked for the XXXX XXXX XXXX I requested to distract me Obviously, knowingly. They kept my mint condition XXXX XXXX XXXX & did n't get Credit for it on Wrongful Fraudulent transaction 4 financial Fraudulent invoices I 'm paying on with Fraudulent Ally Bank. I DEMAND a 100 % full refund of Fraudulent Auto Loan For 2 years I 've paid for & my value of my XXXX XXXX XXXX XXXX from Ally Bank ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21703
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have a judgement listed on my credit report however I have never had an account with Ally I have disputed this several times and requested copies of signed contracts and I 'm getting no response Judgment COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX XXXX, 2015 STATUS DATE PAID AMOUNT {$12000.00} PLAINTIFF Ally Financial Inc ACCOUNT HOLDER Individual CATEGORY Legal Item
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I leased a XXXX XXXX XXXX XXXX pick up truck from XXXX XXXX in XXXX, NJ. At XXXX miles some computer glitch happened with the transmission. XXXX/XXXX/17 the PCM blew causing the vehicle not to run safely and XXXX XXXX in XXXX XXXX replaced the PCM. XXXX/XXXX/17 my trucks was not driving safely. Issues were that the vehicle would accelerate by itself, brakes would not work, except the emergency brake. Once " E '' brake was applied the truck turned off. Since this date, XXXX XXXX has continued to try and fix my truck which they have been unsuccessful with. I HAVE A LOT OF PAPERWORK, CAN I MAIL IT TO YOU?? Lender will not help me or get involved. Or accept a hardship letter. Please call my cell : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ally Bank has customer service that is very disconnected and unknowledgeable about the basics in flowing a dispute to the right direction. A check was first wrongfully taken by Ally Bank at an ATM, and failed to return the check. XXXX XXXX has already resolved this and wrote me a cashier 's check. But because of a dispute, I brought up with them because Intuit paid a bill of mine to XXXX .... through Ally checking account. I had a three-way call with Ally and Intuit and explained very clearly " Intuit did pay this, but only because the bill was accidentally taken care of, instead of the REMINDER it was only supposed to create. '' After this was clearly stated on phone with two representatives, ... Ally still saw this as " Fraudulent '' and closed the account. After all that explaining, and what I thought was an effective use of customer care, and letting them know this is me. They do n't care about anything going on at the moment. As soon as I contact them again, it 's like I did n't have any request or agreement with them at all. ... ... They take the next action they want, even if lied to me. All of this has taken at least 4 hours on the phone of my time, not to mention the most important things. Since ALL of these delays ( Ally has caused weeks worth of delays in the few months the account has been opened ). Because of this, I risk paying off my credit card in time, and other various bills. Each time I have talked to Ally, there is no connection to the last conversation. I have to almost beg, find mindful ways, guide them, hold their hand to the right sources to help me. The attitude is very " Well what do you want me to do :? '' After explaining to them my problem, and clearly, they make me waste so much time that I wonder how much money I am losing by the minute. Not to mention the stress. On the last conversation I had 2 days ago, XXXX XXXX sends me this email shortly after we agreed on the phone exactly what I wanted, for my account to be kept open, and the dispute dropped because everything was fine now. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - " Dear XXXX XXXX : In support of our commitment to quality, I am emailing you in regard to your new account application. We have been unsuccessful in our attempts to contact you by phone. If you would like to discuss this further, please contact me at the Executive Resolution Group, XXXXXXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern Time or Saturday XXXX XXXX to XXXX XXXX. Eastern Time. Questions? We 're here to help, anytime. Just call XXXX ( XXXX ) 24 hours a day, 7 days a week. You can press " 0 '' to reach a Customer Care Associate immediately. Sincerely, XXXX XXXX Executive Resolution Specialist | Ally Bank Deposit Operations " '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - An email totally disregarding everything every person has talked with me about, and how I wanted everything resolved. But not just that, they SAID notes would be taken and seen, nothing. And that two days later, the account would be left open, and the dispute dropped, money free. Contacted them for the 5th time today, same deal. They closed it. . This company each time calling has shown ... .. no one is taking notes ... no one cares to fix this .... and each representative has such a MINIMAL knowledge of the bank and how its inner workings are .... This is a far cry from the quality 10 years ago in banking. What 's funny is ... .. each time Ally has wronged me ... .. they never failed to take the money. They sure took the check into the account when they knew they were closing it, but now is sure gon na give me a hard time taking it out, and transferring it DIRECTLY into my Aspiration account. {$180.00} This is where the resolution kicks in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90631
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: Over the past 6 months I 've had multiple conversations with people at Ally Financial about my lease ( ending in XXXX ) and buying the car at the conclusion. I 've had to file complaints with the BBB, CFPB and at XXXX just to get someone to send me a copy of the original lease agreement ( the dealer said they did n't have it or could not honor the request ). Now, for the 3rd time in a month, I get conflicting information about buying out the lease. Keep in mind that someone at Ally once told me the buy out amount was over $ 19k/year. Once I got the copy of the lease, the buy out is actually $ XXXX. But I was told on multiple occasions that I would be sent a buyout package. I 've already secured a loan to buy the car. However it appears that Ally is doing everything they can to not allow me to do so. It 's either negligence or incompetence. Either case is not good for the consumer. If this is n't resolved I 'm going to sue Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received repeated phone calls from XXXX. They are trying to reach my ex husband. I am divorced from him for a reason and should not receive phone calls regarding any of his private financial business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a new car that I have been making payments on that was not part of my CHP XXXX financed through Ally Bank. I have been making payments on time since XX/XX/XXXX. I contacted Ally who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80129
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The Company claimed they needed more documentation that it was my information such as a ssn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A